EPS: As of FY2025 Q2, the actual value is USD 0.61.<h3>Segment Revenue</h3><ul><li>Interest and Dividend Income: Total interest and dividend income for the three months ended June 30, 2025, was $5.5 million, an increase from $4.6 million for the same period in 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: Net income for the three months ended June 30, 2025, was $3.1 million, compared to $683,000 for the same period in 2024.</li><li>Net Interest Income: Net interest income increased to $3.1 million for the three months ended June 30, 2025, from $2.3 million for the same period in 2024.</li><li>Non-Interest Income: Non-interest income for the three months ended June 30, 2025, was $3.7 million, up from $400,000 for the same period in 2024.</li><li>Non-Interest Expense: Non-interest expense increased to $3.8 million for the three months ended June 30, 2025, from $2.8 million for the same period in 2024.</li></ul><h3>Cash Flow</h3><ul><li>Net Cash Provided by Operating Activities: $1.3 million for the six months ended June 30, 2025, compared to - $1.2 million for the same period in 2024.</li><li>Net Cash Used in Investing Activities: - $17.6 million for the six months ended June 30, 2025, compared to - $6.3 million for the same period in 2024.</li><li>Net Cash Provided by Financing Activities: $6.1 million for the six months ended June 30, 2025, compared to $34.4 million for the same period in 2024.</li></ul><h3>Unique Metrics</h3><ul><li>Allowance for Credit Losses: The allowance for credit losses on loans was $1.7 million at June 30, 2025, unchanged from December 31, 2024.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The company aims to maintain a strong liquidity position and anticipates sufficient funds to meet current funding commitments. It expects a significant portion of maturing time deposits to be retained.</li><li>Non-Core Business: The company has no plans for hedging activities and does not anticipate entering into such transactions in the future.</li></ul>

Fifth District Bancorp | 10-Q: FY2025 Q2 EPS: USD 0.61